Pengembangan Aplikasi “Deposito Bank Syariah By Ethis” Platform Investasi Deposito Bank Pembiayaan Rakyat Syariah

Wiwoho, M Dicky Ryandi (2025) Pengembangan Aplikasi “Deposito Bank Syariah By Ethis” Platform Investasi Deposito Bank Pembiayaan Rakyat Syariah. Masters thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Bank Pembiayaan Rakyat Syariah atau dikenal juga dengan BPRS berperan penting sebagai salah satu penggerak Ekonomi Syariah dimana saat ini ada total 166 BPRS diseluruh Indonesia dengan total aset 17 Trilliun rupiah dan dana kelolaan lebih dari 11 Trilliun rupiah yang melayani masyarakat di dearah yang belum dapat dilayani oleh Bank Umum ataupun Bank Umum Syariah. Akan tetapi saat ini BPRS baru hanya dapat menyumbang sekitar 2,49% dari pangsa pasar perbankan syariah di Indonesia. Perkembangan BPRS terhambat dikarenakan keterbatasan modal dan teknologi serta akses dimana mayoritas dari BPRS berlokasi di daerah yang jauh dari pusat kota. Otoritas Jasa keuangan mendorong agar BPRS dapat berkolaborasi dengan Financial Technology untuk dapat meningkatkan pangsa pasar mereka di Indonesia. Oleh karena itu dilakukan penelitian untuk menciptakan sebuah Financial Technology yang dapat membantu perkembangan dari BPRS menggunakan metode Desing Thinking Double Diamond Method. Adapun hasil penelitian ini merupakan sebuah model bisnis aplikasi Funding Agent Syariah dengan value yang dapat membantu BPRS khususnya dalam sisi funding secara online sehingga dapat menarik minat masyarakat untuk dapat berinvestasi melalui Bank Pembiayaan Rakyat Syariah.
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Islamic Community Bank or also known as BPRS play an important role as one of the drivers of the Sharia Economy where currently there are a totalof 166 BPRS throughout Indonesiawith total assets of 17 trillion rupiah and managed funds of more than 11 trillion rupiah serving people in areas that cannot yet be served by Commercial Banks or Sharia Commercial Banks. However, currently new BPRS can only contribute around 2.49% of the sharia banking market share in Indonesia. The development of BPRS is hampered due to limited capital and technology as well as access where the majority of BPRS are located in areas far from the city center. The Financial Services Authority encourages BPRS to collaborate with Financial Technology to increase their market share in Indonesia. Therefore, research was carried out to create a Financial Technology that could help the development of BPRS using the Desing Thinking Double Diamond Method. The results of this research are a business model for a Sharia Funding Agent application with value that can help BPRS, especially in terms of online funding, so that it can attract public interest in investing through Islamic Community Bank.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	BPRS, Fintech Syariah, Ekonomi Syariah, Funding Agent, Design Thinking Double Diamond
Subjects:	H Social Sciences > HB Economic Theory > HB615 Entrepreneurship. H Social Sciences > HB Economic Theory > HB801 Consumer behavior. H Social Sciences > HB Economic Theory > Economic forecasting--Mathematical models.
Divisions:	Interdisciplinary School of Management and Technology (SIMT) > 78201-System And Technology Innovation
Depositing User:	M Dicky Ryandi Wiwoho
Date Deposited:	13 Aug 2024 04:50
Last Modified:	13 Aug 2024 04:50
URI:	http://repository.its.ac.id/id/eprint/115369

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